Home Loans With No Credit History: Build Your Profile
If you have never had a credit card, personal loan, or phone plan in your name, you may assume that applying for a home loan should be straightforward. After all, you have avoided debt, paid your bills, and managed your money carefully. In today’s Australian lending environment, however, home loans with little or no credit […]
Home Loan Options If Your Partner Has Bad Credit
Finding out that your partner has bad credit can be confronting, especially if you are planning to buy a home together. In today’s Australian lending environment, many couples come to us worried that one credit issue could stop the entire plan. With higher interest rates, tighter serviceability buffers, and more detailed credit checks, it is […]
Getting a Home Loan With Average or Fair Credit: Realistic Strategies That Work
If you have ever checked your credit report and felt unsure about what it means for your home loan chances, you are not alone. Many Australians sit in the middle ground, not perfect credit, but not severe financial difficulty either. In today’s lending environment, getting a home loan with average credit or fair credit can […]
HECS and Home Loans: How Student Debt Is Assessed
If you are carrying HECS/HELP debt and planning to apply for a home loan, it is normal to worry about how it may affect your HECS home loan approval. In reality, HECS or HELP does not automatically stop you from getting approved, but HECS and borrowing capacity are often linked through serviceability, depending on the […]
Home Loans on a Fixed-Term Contract: How Long Do You Need to Be in the Job?
If you’re applying for a home loan on a fixed-term contract, the big question is usually simple. Will a lender see your income as reliable enough, and how long do you need to be in the role before they’ll take it seriously? In Australia, fixed-term and contract work is common across education, healthcare, government, construction, […]
Changing Jobs Before or After Home Loan Approval: What Banks Really Look At
Changing jobs before home loan approval can be a smart career move, but it can feel stressful if you are also trying to get a home loan approved. Many borrowers assume a job change automatically ruins an application. In reality, it depends on what changes, when it changes, and how clearly it can be verified […]
Can You Get a Home Loan on a Casual or Part-Time Income? Lender Policies Explained
Buying with casual or part-time income can be possible, but lender policies vary. This guide explains how income is commonly assessed, what evidence lenders usually want, and why borrowing capacity may differ between lenders.